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post #1 of 10 (permalink) Old 01-20-2008, 05:33 PM Thread Starter
 
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Track Day and Insurance

I haven't had comp insurance on my vehicles in years. And I'm not going to the track. But I wonder if comp insurance covers your bike if you crash at a track? I would think that no insurance company would pay. If it's not covered, can you buy special insurance from the company or at the track? And what about health insurance? I can't see bringing a brand new bike to a track, but I've seen a lot of race bikes on ebay. Or I would bring an older bike that I prepped to a track day.
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post #2 of 10 (permalink) Old 01-20-2008, 05:37 PM
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Quote:
Originally Posted by No Worries View Post
I haven't had comp insurance on my vehicles in years. And I'm not going to the track. But I wonder if comp insurance covers your bike if you crash at a track? I would think that no insurance company would pay. If it's not covered, can you buy special insurance from the company or at the track? And what about health insurance? I can't see bringing a brand new bike to a track, but I've seen a lot of race bikes on ebay. Or I would bring an older bike that I prepped to a track day.
Heard for a track day they will but not a race. They see a track day like a school and will improve your riding, thus making it less likely they will have to pay out on you. In theory anyhow
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post #3 of 10 (permalink) Old 01-20-2008, 05:48 PM
 
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It depends on the type of track day.

Most track days will delineate in their motto that they are a non-competitive event, and insurance companies will cover that.

If they are a 'race school' where you can get a racing license from them, or if it an open session aka race practice, they often won't.
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post #4 of 10 (permalink) Old 01-20-2008, 06:42 PM
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It's considered a school and most insurance co. will cover it if you have full. You have to talk to them. I called up state farm before I went and they said they would cover me for track days, but not competitive events.

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post #5 of 10 (permalink) Old 01-20-2008, 06:46 PM
 
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Must be different than with cars. I know even on a test and tune if you hit the wall or crash, they file a accident report so you can not claim insurance. But I can see a difference with it being a school
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post #6 of 10 (permalink) Old 01-26-2008, 05:07 PM
 
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Insurance

I recently received a notice (as have a number of my friends) that my insurance WILL NOT cover any organized track events including schools and track days. That said, claiming it and getting rapped by your insurance company is probably more costly in the long run anyway.
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post #7 of 10 (permalink) Old 01-27-2008, 10:01 AM
 
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Originally Posted by PlayfulGod View Post
Heard for a track day they will but not a race. They see a track day like a school and will improve your riding, thus making it less likely they will have to pay out on you. In theory anyhow
+1 That's what I've heard as well, though it may depend on your insurance company.
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post #8 of 10 (permalink) Old 01-27-2008, 11:46 AM
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Anyone know about Progressive? I want to hit the track in the spring- even stopped at the Mid Ohio booth yesterday. They have a drawing to win a trackday!

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All riders take risks- what you wear usually reflects your respect for the bike and general knowledge of riding.
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post #9 of 10 (permalink) Old 01-28-2008, 02:04 PM
 
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IMO bro,.. buy a bike track ready it and save that insurance payment and registration for you're next track day and or part's(tiers),..

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post #10 of 10 (permalink) Old 01-28-2008, 09:02 PM
 
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are you referring to a track day bike or track only bike? permanent track bikes are usually pieced together from salvage. all my track bikes were salvaged. therefore, no insurance is necessary.

track bikes are crash bikes. i don't recommend using your normal commuter, unless you have spare parts at hand. depending on the state, track (off road) bikes may be required to be registered.

your health insurance should cover unless it's explicitly written that it will not cover high risk activities (sky jumping, cliff diving, running with the bulls, etc..)

as for comp, it will cover it if you claim it as comp and not track damaged (need i further explain?)

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